Hiya,
Well I do have the 'bits' you do but I think the best thing to say is that absolutely everyone is different, there is no 'normal', what works for me, may not work for you, what works for my friend wouldn't work for me, it's all about experimenting to find what works for you, whatever that may be.
There are loads of women that don't get too much from penetrative sex, but prefer other things, as long as you're happy at the end of the journey, does it matter how you get there?
As for your rabbit, I think there is a fairly common misconception that this is the best toy ever as it's guaranteed to work for everyone but the reality is very different, as you have said, the ears etc don't seem to ever sit properly... When I got my first rabbit years ago I hated it and promptly put it in the drawer and thought sex toys weren't for me, how foolish was I? haha!
Now I realise, thanks to my vast collection that there are so many other toys that work much better for me, and the Rabbit isn't the holy grail of sex toys, well not for me anyway.
Have you tried a bullet, as you say you respond to clit stim, these can be brilliant for either solo play or with your partner and will enable you to stimulate your clit whilst having sex :-)
There are some great ones on this site, I have the Ammunition one, I believe the Tracey Cox one is good, but there are a fair few.
Maybe look around at different toys and trying some?
Good luck with finding what works for you, but don't beat yourself up on the journey, enjoy it, if it doesn't work, move on, try something else...